Rob Chrisman

A more complex market is changing how refinance loans are evaluated, priced, and sold

Lenders are rethinking how they train, incentivize, and retain LOs — shifting beyond traditional basis point compensation toward servicing income, cross-selling, and long-term borrower relationships

As GSEs dominate the nation’s mortgage supply and household debt climbs, shifting borrower demographics and easing lending standards point to a gradual, but uneven, market expansion

President Trump’s call for Fannie Mae and Freddie Mac to buy $200 billion in mortgage bonds briefly lifted agency MBS prices, but analysts say the purchase is modest relative to market scale and unlikely to meaningfully lower mortgage rates

A behind-the-scenes look at the precision-driven capital markets machinery that determines mortgage rates, lock extensions, and risk — revealing why timing, option pricing, and market discipline matter far more than most borrowers realize

How the mortgage market is gradually evolving, with renewed interest in ARMs, potential LLPA changes, shifting credit policies, and data uncertainty requiring lenders to adapt strategies across pricing, risk, and hedging

Originators today are adapting to a shift in the marketplace, where they not only cannot sit around waiting for the phone to ring, but must venture out and pursue prospective borrowers